Best Mortgage Broker Fremont Near Me

4worldlovers:
We’re here to help you every step of the way


The DIVMG HOME mobile app guides you through your home search and mortgage financing and connects you directly to your loan officer and REALTOR.


*Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.

Payment example: If you bought a $450,000 home with a 20% down payment, for a loan amount of $360,000, with a 30 year term at a fixed rate of 6.125% (Annual Percentage Rate 6.220%), you would make 360 payments of $2,189.00. Payment stated does not include taxes and insurance, which will result in a higher payment.

4worldlovers: When it comes to refinancing a mortgage or purchasing a new home looking for mortgage Lenders in Bay Area, everyone's financing needs aren’t the same. Some would want to lower monthly payments while other to pay less up front, or even have something else in mind. Regardless of your situation, our team will help you understand your best options and best mortgage rates in Bay Area so you can make an informed decision. We understand how important your time and money is and assure not to waste either.

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other similar financing option, our team of experts will help you find the solution that works best for your needs.

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today. Find out how you can qualify today!


If you have equity in your home, a cash-out refinance can provide you with the money needed for home repairs, debt consolidation, and other various expenses. Begin your cash-out refinance today!


Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans. Learn more about our Jumbo loan options.


FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification. Learn more about how you can qualify for an FHA loan.


Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance. Learn more today!

4worldlovers:
Raj was super responsive, accommodating and an overall great human being. My dad was signing his loan documents and Raj noticed he was a vet. Not only did Raj thank my dad for his service, but he also waived his fees. Wow!! I will only go to Raj going forward for any notary need. Thank you!!!

Raj accommodated us for a late appointment that fit our schedule. When we started the process, we realized that one of the documents needed to be reprinted. So I went home, got another printout, and came back to get that notarized. Highly recommended!

4worldlovers: MACCIOLA INC is proud to offer services in Commercial Real Estate, Residential Real Estate, Home Mortgages, and Design. We set out to create a real estate company different than any other, helping clients with every aspect of their real estate needs. We've sold large multi-acre sites to developers, executed commercial leases, helped sellers and buyers with their residential needs, and helped numerous clients obtain a home loan to purchase their property.

4worldlovers: Whether you're a first time home buyer or an experienced commercial developer, First Rate Mortgage can assist you with your real estate financing needs. We understand the intricacies of FHA loans, refinance, private money loans and cash out refinance so that you don’t have to. First Rate Mortgage has access to numerous lenders for jumbo loans, hard money loans, conforming loans, first home buyer loans and even FHA VA loans, and they are looking for borrowers like you. Call us today for current mortgage rates and allow us to help you meet your financial needs. Credit types of all ranges are welcomed. First Rate Mortgage provides home loans in California and commercial loans across the United States.

Our borrower education process is the best in the industry. Our friendly Mortgage Analysts are always available to walk you through the entire pre-approval and home-buying process.

We make getting Pre-Approved easier than ever. While many lenders offer only “pre-qualifications,” First Rate Mortgage can do full “Pre-Approvals” in only 24 hours, or even faster if necessary.

4worldlovers: It is not uncommon for renters to pay more in rent than their landlord’s mortgage payment. This is because landlords are typically looking to make a profit on their rental properties, and they will often set their rent prices based on market rates rather than the cost of their mortgage.

There are several reasons why renters often pay more than a mortgage payment:

Renters are not building equity: When you make a mortgage payment, you are building equity in your home. Equity is the value of your home that you actually own. As you pay down your mortgage, you own more and more of your home. Renters, on the other hand, are not building equity in their homes. They are simply paying for the use of the property.

Renters don’t get tax benefits: Homeowners can deduct their mortgage interest and property taxes from their income taxes, which can save them a significant amount of money. Renters, on the other hand, do not get these tax benefits.

Landlords have to cover maintenance costs: When you rent a property, the landlord is responsible for maintenance and repairs. This includes everything from fixing a leaky faucet to replacing a roof. These costs are factored into the rent payment, so renters end up paying for these expenses indirectly.

Supply and demand: Depending on the area and the rental market, there may be more demand for rental properties than there is supply. This can drive up rental prices, making them higher than mortgage payments.

Location: In some areas, it may simply be more expensive to rent than it is to buy a home. This can be due to a variety of factors, such as high demand, limited supply, or a desirable location.

Overall, there are many factors that can contribute to renters paying more than a mortgage payment. It’s important to note that while renters may feel like they are paying more than their landlord’s mortgage, they are also benefiting from the convenience and flexibility of renting. Renters typically do not have to worry about property maintenance or repair costs, and they have the ability to move more easily than homeowners. Renting can still be a good choice for some people, depending on their financial situation and lifestyle.

When you apply for a new mortgage, the lender will evaluate your creditworthiness to determine whether to approve your application and what terms and interest rate to offer you. Your existing debt can affect your creditworthiness in several ways:

Debt-to-income ratio (DTI): Your DTI ratio is the percentage of your monthly income that goes towards paying off debt. Lenders typically want to see a DTI ratio of 43% or less, meaning your debt payments don’t exceed 43% of your gross monthly income. If your existing debt is high, your DTI ratio will be high, and lenders may view you as a riskier borrower. This can make it more difficult to qualify for a new mortgage or result in a higher interest rate.

Credit score: Your credit score is a numerical representation of your creditworthiness, based on your credit history. If you have existing debt and have been making late payments or defaulting on payments, your credit score may have taken a hit. This can make it more difficult to qualify for a new mortgage or result in a higher interest rate.

Payment history: Your payment history is a record of how consistently you have made payments on your existing debt. If you have a history of late payments or defaulting on payments, this can signal to lenders that you may be a riskier borrower, which can make it more difficult to qualify for a new mortgage or result in a higher interest rate.

Available funds for down payment: If you have existing debt, you may not have as much money available for a down payment on a new mortgage. This can make it more difficult to qualify for a new mortgage or result in a higher interest rate.

Overall debt load: Lenders will also consider your overall debt load when evaluating your creditworthiness. If your existing debt is high relative to your income and assets, this can make it more difficult to qualify for a new mortgage or result in a higher interest rate.

In summary, your existing debt can affect your ability to qualify for a new mortgage by increasing your DTI ratio, lowering your credit score, affecting your payment history, limiting your funds for a down payment, and increasing your overall debt load.

4worldlovers: For those who are planning to purchase a home, the mortgage process can be lengthy and complicated. This is where we come in. Our mortgage brokerage in Newark, CA, has been servicing clients for years now, and we know all the ins and outs of the industry. We will take care of everything from getting your loan approved to making sure you receive your funds as soon as possible!

No matter what type of mortgage you need, we can help:

Residential Mortgages: Find the right home for you with a mortgage from us! Do not be fooled by online quotes – contact us today for a true mortgage estimate.

R&J Mortgage & Loan Newark, CA provides a wide array of residential mortgages including the most common mortgages such as variable rate, fixed-rate, line of credit, and home equity lines of credit. We strive to provide the best service at the lowest cost to our customers. Our goal is to make all aspects of your mortgage experience as easy and hassle-free as possible.